Coterie Insurance website screenshot

Coterie Insurance

Coterie Insurance is a technology-first commercial insurance provider for small businesses, offering Business Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC). Its REST API lets appointed agents and digital partners build applications, generate bindable quotes, bind and issue policies, look up industry/NAICS classifications, retrieve policy documents, and subscribe to webhooks for an embedded small-business insurance experience.

Coterie Insurance publishes 6 APIs on the APIs.io network, including Applications API, Documents API, Industry API, and 3 more. Tagged areas include Insurance, Commercial Insurance, Small Business, Embedded Insurance, and Insurtech.

Coterie Insurance’s developer surface includes authentication, documentation, engineering blog, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
35.7/100 thin ▬ flat Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreeSelf serve⚡ Free to try
6 APIs
InsuranceCommercial InsuranceSmall BusinessEmbedded InsuranceInsurtech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 35.7/100 · thin
Contract Quality 13.4 / 25
Developer Ergonomics 4.3 / 20
Commercial Clarity 5.8 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/coterie: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Coterie Insurance Applications API

Commercial applications describing the insured business.

Coterie Insurance Documents API

Policy documents and proposals.

Coterie Insurance Industry API

Industry / NAICS classification lookup.

Coterie Insurance Policies API

Binding and issuing policies from bindable quotes.

Coterie Insurance Quotes API

Rated, bindable quotes and underwriting questions.

Coterie Insurance Webhooks API

Webhook subscription management.

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Coterie Commercial Insurance API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Coterie Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Coterie Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Coterie Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Coterie Authentication

http/oauth2 · 2 schemes

SECURITY

Coterie Domain Security

TLSv1.3 · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Coterie Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Coterie Agentic Access

13 operations · 6 acting

13 operations · 6 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans
Plans
 FinOps
FinOps

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: coterie
url: https://raw.githubusercontent.com/api-evangelist/coterie/refs/heads/main/apis.yml
name: Coterie Insurance
kind: company
description: Coterie Insurance is a technology-first commercial insurance provider for small businesses, offering Business
  Owners Policy (BOP), General Liability (GL), Professional Liability (PL), and Workers' Compensation (WC). Its REST API lets
  appointed agents and digital partners build applications, generate bindable quotes, bind and issue policies, look up industry/NAICS
  classifications, retrieve policy documents, and subscribe to webhooks for an embedded small-business insurance experience.
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/coterie.png
tags:
- Insurance
- Commercial Insurance
- Small Business
- Embedded Insurance
- Insurtech
created: '2026-06-25'
modified: '2026-06-25'
specificationVersion: '0.19'
apis:
- aid: coterie:coterie-applications-api
  name: Coterie Insurance Applications API
  description: Commercial applications describing the insured business.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Applications
  properties:
  - type: OpenAPI
    url: openapi/coterie-applications-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-documents-api
  name: Coterie Insurance Documents API
  description: Policy documents and proposals.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/coterie-documents-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-industry-api
  name: Coterie Insurance Industry API
  description: Industry / NAICS classification lookup.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Industry
  properties:
  - type: OpenAPI
    url: openapi/coterie-industry-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-policies-api
  name: Coterie Insurance Policies API
  description: Binding and issuing policies from bindable quotes.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/coterie-policies-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-quotes-api
  name: Coterie Insurance Quotes API
  description: Rated, bindable quotes and underwriting questions.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/coterie-quotes-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
- aid: coterie:coterie-webhooks-api
  name: Coterie Insurance Webhooks API
  description: Webhook subscription management.
  humanURL: https://docs.coterieinsurance.com/
  baseURL: https://api.coterieinsurance.com/v1
  tags:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/coterie-webhooks-api-openapi.yml
  - type: Documentation
    url: https://docs.coterieinsurance.com/
  - type: PostmanCollection
    url: collections/coterie.postman_collection.json
  - type: OpenCollection
    url: collections/coterie.opencollection.json
common:
- type: AgenticAccess
  url: agentic-access/coterie-agentic-access.yml
- type: DomainSecurity
  url: security/coterie-domain-security.yml
- type: Authentication
  url: authentication/coterie-authentication.yml
- type: OAuthScopes
  url: scopes/coterie-scopes.yml
- type: GitHubOrganization
  url: https://github.com/CoterieInsure
- type: LinkedIn
  url: https://www.linkedin.com/company/coterieinsurance
- type: Website
  url: https://coterieinsurance.com/
- type: Documentation
  url: https://docs.coterieinsurance.com/
- type: Plans
  url: plans/coterie-plans-pricing.yml
- type: RateLimits
  url: rate-limits/coterie-rate-limits.yml
- type: FinOps
  url: finops/coterie-finops.yml
- url: https://www.coterieinsurance.com/feed
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com